Exchange Bank
Exchange Bank reported total assets of $3.2 bn at Q2 2026, down 2.6% on a year earlier, the 397th largest of 497 banks in our US coverage. The CET1 capital ratio at Exchange Bank was 18.98%, and the uninsured share of Exchange Bank was 25.88%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Exchange Bank slipped from 145th to 218th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Exchange Bank reports one of the lowest loan-to-deposit ratio readings among banks of $1 bn to $10 bn: 62.68% at , where the median of the 339 banks is 88.61% (FDIC Call Reports).
- At 18.98%, the common equity tier 1 (CET1) ratio of Exchange Bank sits in the top tenth of its size group ($1 bn to $10 bn, 287 banks), where the median is 13.22% (FDIC Call Reports).
What sets Exchange Bank apart
- Few banks of $1 bn to $10 bn report a higher net charge-offs to average loans than Exchange Bank, at 0.52% in against a group median of 0.06%.
- Over the year to , the total deposits of Exchange Bank fell by 4.2% to $2.8 bn, a bigger fall than at 96% of covered banks.
How large is Exchange Bank?
The balance sheet of Exchange Bank at : assets $3.2 bn, deposits $2.8 bn, net loans $1.7 bn (loans equal to 62.68% of deposits). Securities make up 35.4% of total assets at Exchange Bank. Since , when Exchange Bank held $2.1 bn, its assets grew 54.2%. In the year to , deposits at Exchange Bank fell 4.2% while its total assets fell 2.6%. At , Exchange Bank employed 354 full-time equivalent staff across 21 offices, about $9.0 mn of assets per employee and $131.0 mn of deposits per office.
How much funding at Exchange Bank is uninsured?
At Exchange Bank, uninsured deposits (above the FDIC limit) made up 25.88% of domestic deposits at (+1.60 pp on a year earlier); Exchange Bank ranks 368th of 500 on this measure. In dollars, Exchange Bank estimated $711.8 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.8 bn | -4.2% | 384th of 499 |
| Net loans and leases | $1.7 bn | +7.7% | 472nd of 500 |
| Loan-to-deposit ratio | 62.68% | +6.95 pp | 451st of 500 |
| Tier 1 leverage ratio | 12.64% | +0.97 pp | 72nd of 500 |
| Total risk-based capital ratio | 20.23% | +0.40 pp | 37th of 448 |
| Net interest margin | 3.24% | +0.37 pp | 362nd of 500 |
| Return on assets (ROA) | 0.91% | +0.14 pp | 416th of 500 |
| Efficiency ratio | 67.31% | -2.61 pp | 413th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $80.4 mn | Narrowed by $22.4 mn | |
| Noncurrent loans to total loans | 0.55% | +0.23 pp | 218th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.52% | +0.47 pp | 442nd of 500 (1 = lowest) |
US rank of Exchange Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Exchange Bank: assets, deposits and loans
- Total assets $3.2bn
- Deposits $2.8bn
- Net loans $1.7bn
Capital and securities
The CET1 ratio of Exchange Bank stood at 18.98% in , +0.40 pp year on year. Low and high at Exchange Bank since : 11.44% () to 20.23% (). Equity capital of Exchange Bank at : $355.4 mn, or 11.2% of total assets. Exchange Bank also reported a total capital ratio of 20.23% for , and a tier 1 leverage ratio of 12.64%.
The available-for-sale portfolio of Exchange Bank showed an unrealized loss of $80.4 mn at ; the loss narrowed by $22.4 mn over the year.
Exchange Bank: capital ratios
- Total capital 20%
- CET1 19%
- Tier 1 leverage 13%
Exchange Bank: unrealized securities gains and losses
- Available for sale -$80mn
- Held to maturity $0
Profitability and loan quality
For the year to , Exchange Bank earned a return on equity of 8.44%; return on assets: 0.91%. Net interest margin at Exchange Bank: 3.24%, +0.37 pp in a year. Exchange Bank net income: $14.8 mn, up 17.0% year on year. The efficiency ratio of Exchange Bank was 67.31%: about 67 cents cost per revenue dollar, against 49 cents at the median peer.
At , noncurrent loans were 0.55% of total loans at Exchange Bank; net charge-offs: 0.52% of average loans. Gross loans and leases at Exchange Bank: $1.8 bn, up 7.3% in a year.
Exchange Bank: profitability
- Return on equity 8.4%
- Net interest margin 3.2%
- Return on assets 0.9%
Peer group of Exchange Bank
The peer group of Exchange Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Exchange Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in California. Against them, Exchange Bank shows CET1 ratio 18.98% against a peer median of 15.85%, return on equity 8.44% against a peer median of 13.59% and uninsured deposit share 25.88% against a peer median of 24.84%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Academy Bank | National bank | MO | $3.2 bn | 17.02% | 7.40% | 32.49% | |
| North American Savings Bank, F.S.B. | Federal savings bank | MO | $3.2 bn | 17.49% | 9.28% | 10.75% | |
| First Citizens Community Bank | State member bank | PA | $3.2 bn | not reported | 12.32% | 46.35% | |
| Exchange Bank | State nonmember bank | CA | $3.2 bn | 18.98% | 8.44% | 25.88% | |
| Bank of Greene | Federal savings bank | NY | $3.2 bn | 15.85% | 15.59% | 14.68% | |
| Unity Bank | State nonmember bank | NJ | $3.2 bn | 14.27% | 16.24% | 42.06% | |
| First National Bank | National bank | ME | $3.2 bn | 13.05% | 14.86% | 17.20% | |
. FDIC Call Reports.
Last eight quarters
Two years at Exchange Bank, to : assets -6.6%, deposits -2.4%, equity +20.9%. Staff 358 to 354.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.4 bn | $3.3 bn | $3.3 bn | $3.3 bn | $3.3 bn | $3.3 bn | $3.3 bn | $3.2 bn |
| Total deposits | $2.8 bn | $2.8 bn | $2.9 bn | $2.9 bn | $2.9 bn | $2.9 bn | $2.8 bn | $2.8 bn |
| Bank equity capital | $293.9 mn | $280.8 mn | $301.1 mn | $316.4 mn | $332.7 mn | $346.7 mn | $350.1 mn | $355.4 mn |
| CET1 ratio | 18.17% | 17.93% | 18.55% | 18.58% | 18.20% | 18.46% | 18.70% | 18.98% |
| Return on equity (ROE) | 7.58% | 8.90% | 7.72% | 8.45% | 9.19% | 9.50% | 8.62% | 8.44% |
| Uninsured share of domestic deposits | 24.10% | 24.14% | 24.52% | 24.28% | 24.40% | 26.42% | 25.14% | 25.88% |
| Full-time equivalent employees | 358 | 363 | 356 | 354 | 351 | 358 | 359 | 354 |
| Number of offices | 21 | 21 | 21 | 21 | 21 | 21 | 21 | 21 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Exchange Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Exchange Bank?
Exchange Bank reported $3.2 bn at in its Call Report. That makes Exchange Bank the 397th largest of 497 banks in our US coverage.
Is Exchange Bank the same as its holding company?
No. This page covers Exchange Bank, FDIC certificate 8468; FRANK P DOYLE TRUST ARTICLE IX (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Exchange Bank profitable?
Exchange Bank reported net income of $14.8 mn for the year to ; annualized return on equity: 8.44%. So yes: Exchange Bank made a profit over these months.
When is data for Exchange Bank next updated?
Figures from Exchange Bank for are due after .
Where can I check the figures for Exchange Bank?
In the FDIC BankFind Suite record for certificate 8468, and in the Call Reports of Exchange Bank (RSSD ID 507068) at the FFIEC Central Data Repository.